Banking-as-a-Service Providers

Financial Institution Infrastructure

A fully licensed Luxembourg bank providing infrastructure for other financial institutions, processing over €1 trillion in payment volumes annually. Banking Circle serves payment companies, banks, and fintechs with virtual accounts, cross-border payments, and correspondent banking services. The behind-the-scenes banking partner for many major payment providers.

UK Banking Infrastructure

The first new UK clearing bank in over 250 years, providing regulated banking infrastructure through APIs. ClearBank offers direct access to UK and European payment schemes, FSCS-protected accounts, and real-time payments without competing with its customers. Built for fintechs and financial institutions that need licensed banking rails in the UK and Europe.

Banking-as-a-Service API

A UK-licensed API-first bank offering Banking as a Service (BaaS) for fintechs and platforms. Griffin provides safeguarding accounts, client money management, and embedded banking products through modern APIs. Built for fintechs, neobanks, and platforms that want to embed compliant banking infrastructure without building it themselves.

Global BaaS Platform

A global embedded finance platform (now Railsr) offering Banking-as-a-Service and Cards-as-a-Service. Railsbank enables fintechs and brands to launch financial products including accounts, payments, and cards without obtaining their own banking licenses. A white-label infrastructure provider for companies wanting to embed financial services.

European BaaS

Europe's leading Banking as a Service platform, holding a full German banking license. Solaris enables fintechs and brands to embed banking products including accounts, cards, and lending through modern APIs. Powers numerous European neobanks and fintechs who want to offer regulated banking services without obtaining their own license.